MIT's Moral Machine wants you to decide who dies in a self-driving car accident
thenextweb.com
thenextweb.com
The truth however, is that the decision will end up being made by some opaque neural net that's been trained by the actions of other human drivers in relevant situations. It'll just "react" the same way that we do. Coding specific logic into such edge cases is probably unrealistic.
The car is supposed to know it's in a low-speed urban environment where there may be zebra crossings, so it accelerates accordingly and always has time to break.
If a pedestrian makes an illegal crossing, the car should try to protect its occupants first, which is the most natural response for a human driver. Not to mention autonomous cars will be more likely to turn these unavoidable accidents into avoidable ones.
One can entertain all sorts of situations, but so far I haven't found one without an answer. It always boils down to not including a "split-second morality system".
The decided to buy the car, they decided to operate it, they decided where to go and when.
In the real world, it depends on the situation.
In this particular situation, if the car was driving so fast it does not have time to break for, the fault most likely falls to the manufacturer for writing software that defaults to reckless driving in an urban environment, and inmediately after some of the fault might fall to the city or the inspectors that approved the manufacturer if it is concluded that the approval was given either knowing the software was like this, or failing to account for it in their testing procedure.
If there was a mapping error, it depends on the map provider's license to the car manufacturer.
All other situations (car breaking down due to lack of maintenance, breaking down unexpectedly, pedestrian making an illegal move, etc,...) are already handled by current law (obligatory "some exceptions may apply").
But even in your description, it still boils down to Property Rights and Contacts (not described in those terms however). It may be that the programmers or business owners will be forced into contracts that hold them liable. IMO, that would be unfortunate.